Ms. Goin Closes With A 0.25% (Quarter Percent) 30 Year Fixed Interest Rate Through The NACA Program (Review)- Kristopher Fraley

This is not an ordinary review to “promote” Kris’s services. This is a genuine and honest review of Kris Fraley as a realtor. First of all, My mother (Gabriela Goin) had a dream of having a house under her name since she arrived in the U.S. (more specifically Montgomery County, Maryland) from Peru in 1990. Fast forward to 2015, she has lived in Montgomery County since she arrived in the U.S. 28 years ago. In January of 2015, we first heard of the NACA program via my older brother Jose, who happens to be one of Kris’ childhood friends.

Ms. Goin & Kristopher Fraley
Ms. Goin & Kristopher Fraley

We originally thought the NACA program was “too good to be true”, however after a few conversations with my family, my brother and I convinced my mother to take a chance with NACA to attempt to fulfill her lifelong dream of purchasing a house under her name. Kris said if we were willing to put the time in, he would too. My mom had specific requirements when looking for a house. Requirements such as having 3 bedrooms, a deck, 2 full bathrooms, a modern looking kitchen, wood floors and most importantly, buying a house in her home of Montgomery County. Nobody in my family has ever purchased a home.

Here are the details of our loan we received through the NACA program:

Purchase Price: $295,000

Loan Amount: $276,452

Interest Rate: 0.25%(Yes, 1/4th of 1%!)

Monthly Payment: $1,231

With this ridiculously low interest rate our family is saving approximately $270,000 in interest & fees that would be part of a “normal” conventional loan. We build around 9k in equity per year excluding any property appreciation over time. That is unheard of.

Through the NACA program we paid no closing costs, no private mortgage insurance, we did not have perfect credit, paid ABSOLUTELY NO BOGUS FEES OF ANY KIND. (Application, appraisal, transfer/recordation taxes etc.) The list goes on.

Ms. Goin & Kristopher Fraley
Ms. Goin at closing with her agent Kristopher Fraley

It took my mother 3 years start to finish to buy a home through the NACA program but in actuality, it took my mother 28 years to FINALLY accomplish one of her lifelong dreams. None of this would’ve happened without Kris. The level of patience, persistence, determination and pure faith that he demonstrated throughout the three year process is honestly indescribable. Especially during the times when my mother was on the brink of giving up because of NACA’s gruesome requirements and constantly requesting more and more paperwork such as non-stop paystubs, bank statements, letters explaining certain payments, etc.

My mother was initially NACA qualified yet, lost her job of 10 years right as she was out searching for homes. It took her a whole additional year to re-quality. Fortunately, Kris constantly kept reminding us via text messages, phone calls and face to face visits that this will all be worth it in the end to NOT go with a conventional loan, and to encourage my mother to not throw in the towel and he was indeed right. If we ended up going the conventional route, not only would we have paid a mass amount of interest & fees, we would have only qualified for about 200k and would have had to settle for a condo. We we’re able to buy the townhouse we always wanted! Navigating the NACA program is no easy feat, however for those who tough it out, the ultimate reward is amazing!

Ms. Son & Her Son At Closing Kristopher Fraley
Ms. Son & Her Son At Closing Kristopher Fraley

This wasn’t just my mother’s dream, this was an INVESTMENT for our family name which words can’t describe how grateful and lucky I truly am to have had Kris by our side this entire time because without him, I would not be typing this message right now in our new home. Kris is an unbelievable, tenacious person who will help you buy the house that is right for you. He will be patient with you, he will encourage you and most of all, he will do everything in his POWER to make sure that you are blown away with the end result. With that being said, he will not do the work for you. YOU must be willing to put in the “sweat equity” as he likes to call it.

Ms. Goin & Kristopher Fraley
Ms. Goin & Kristopher Fraley

Kris, from my entire family to you, THANK YOU FOR EVERYTHING BROTHER. From the bottom of my heart man, you gave my family HOPE when we were constantly moving from apt to basement to apt to rented home and on the brink of quitting multiple times. Now that we’re in this home and my mother’s dream came true, you lit a fire in me that makes me WANT SO MUCH MORE for my mother and the rest of my family. You’ve inspired me to never give up on any of my dreams. You’re an incredible soul my man. You will forever be family to us. WE LOVE YOU MAN. THANK YOU!

Below is a video that was taken of Ms. Goin’s closing:

Kristopher Fraley

Kristopher Fraley
Ms. Goin’s Review Of Realtor Kristopher Fraley

Kristopher Fraley , Realtor

A few years ago a serendipitous event(purchasing a home through the NACA program with a 0% 30 year fixed interest rate) inspired me to become a licensed NACA approved real estate agent in the DC, Maryland & Virginia area, and I love it! There is nothing greater than giving back and its a fantastic process that I feel lucky to participate in. With so many money hungry sharks preying on innocent people in the real estate industry, I feel honored when people trust my team to help them obtain the best terms on a mortgage possible. I can be reached by emailing kris@no-downpayment.com